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First Community Bank of Homer Glen & Lockport

Homer Glen, IL · Cert 58788

FDIC

Q4 2012

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2012, the quarter ended December 31, 2012, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

First Community Bank of Homer Glen & Lockport

Homer Glen, IL · Cert 58788

FDIC

Q4 2012

$73.1MAssets
$57.6MLoans
$63.6MDeposits
$9.2MEquity
Loan mix
84%RE $42.9M16%C&I $8.0M0%Consumer $0.1MQ4 2011Q4 2012
Deposit mix
94%Interest-bearing $59.6M6%Noninterest $4.0MQ4 2011Q4 2012

NIM

4.63%Q4 ’104.80%Q4 ’114.66%Q4 ’12+22%+14%

Non-interest income vs. expense

2.75%Q4 ’102.61%Q4 ’113.17%Q4 ’12+2%+10%

Executive Summary

  • Earnings: ROA of 0.79%, up 50 bps year over year; NIM at 3.84%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.74%.
  • Funding: loans stand at 90.53% of deposits as of Q4 2012.

Financial Results

Return on Assets (YTD, annualized)

0.79%+50 bps YoY

Net Interest Margin (YTD, annualized)

3.84%+46 bps YoY

Efficiency Ratio (YTD, annualized)

79.52%-129 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ4 2011Q1 2012Q2 2012Q3 2012Q4 2012YoY ΔTrend
Earnings
Return on Assets0.29%0.36%0.59%0.54%0.79%+50 bps
Return on Equity3.03%3.44%5.55%5.00%7.10%+407 bps
Net Interest Margin3.37%3.48%3.70%3.71%3.84%+46 bps
Efficiency Ratio80.81%75.38%74.62%77.40%79.52%-129 bps
Non-Interest Burden2.75%2.59%2.73%2.84%3.02%+27 bps
Growth
Asset Growth (YoY)-11.16%-4.03%-7.86%-9.58%-12.15%-99 bps
Loan Growth (YoY)-15.07%-19.37%-12.41%-15.71%-9.60%+547 bps
Deposit Growth (YoY)-12.44%-4.97%-9.33%-11.25%-14.61%-217 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans3.48%-0.01%1.45%0.99%0.74%-274 bps
Allowance / Loans4.51%5.03%4.40%4.56%4.24%-26 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital14.99%15.96%15.94%16.10%16.57%+159 bps
Equity / Assets10.14%10.88%10.79%11.42%12.52%+238 bps
Liquidity & Funding
Loans / Deposits85.51%84.94%81.74%84.60%90.53%+502 bps
Liquid Assets / Assets11.38%11.66%12.73%8.30%5.00%-638 bps
CRE / Total Capitaln/an/an/an/an/an/an/a